Have you ever checked your statement and spotted a ActiveWorks MCC charge on credit card that made you scratch your head? You’re not alone. Many people notice this charge and wonder what it is, where it came from, and whether it’s legitimate.
What Is ActiveWorks MCC?
ActiveWorks MCC is a term that shows up on your credit card statement when you’ve made a transaction through Active Network, LLC. This company provides software to manage registrations and payments for events and activities.
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Think marathons, triathlons, community sports leagues, or even campground bookings. If you signed up for an event or service through their platform, you might see a charge labeled “ActiveWorks MCC” followed by a location, like “San Diego.”
The “MCC” part stands for Merchant Category Code, a four-digit number used by credit card companies to classify businesses. In this case, MCC 7399 means “Business Services – Not Elsewhere Classified.”
It’s a broad category for services that don’t fit neatly into other codes, like consulting or event management. So, ActiveWorks MCC is just a way to identify charges from Active Network’s event-related services.
Why Does This Charge Appear?
Seeing an ActiveWorks MCC charge on your statement usually means you’ve paid for something through Active Network’s platform. Here are the most common reasons for this charge:
- Event Registration: You signed up for a race, such as a marathon, 5K, or cycling event.
- Membership Fees: Some events or organizations require membership, and the fee might be processed through ActiveWorks.
- Merchandise or Donations: During registration, you may have bought event gear (like T-shirts) or donated to a charity.
- Recurring Subscriptions: You might have enrolled in a service, like race notifications or training plans, that charges periodically.
If you don’t recognize the charge, it could be because you forgot about a registration, or someone else (like a family member) used your card. In rare cases, it might be an error or unauthorized charge, which we’ll cover later.
How to Identify the Charge
Not sure where the ActiveWorks MCC charge came from? Don’t worry. Follow these simple steps to track it down:
- Check Your Emails: Look for confirmation emails from ActiveWorks or the event organizer. These usually include details about the event and costs.
- Log Into Your ActiveWorks Account: If you have an account, check your recent activities or registrations.
- Compare the Amount: Match the charge amount on your statement with any event fees, memberships, or purchases you made.
- Ask Family Members: Confirm no one else used your card for an event or activity.
If you still can’t figure it out, it’s time to contact Active Network or your credit card company. We’ll explain how to do that soon.
Is the ActiveWorks MCC Charge Legitimate?
In most cases, yes, the ActiveWorks MCC charge is legitimate. If you recently registered for an event or activity through Active Network, this charge reflects that transaction.
Active Network is a well-known company that works with thousands of organizations worldwide, from local park districts to major race organizers. However, some people have raised concerns about unexpected charges.
For example, a 2022 lawsuit by the Consumer Financial Protection Bureau (CFPB) claimed that Active Network enrolled customers in a program called Active Advantage without clear consent, leading to surprise charges.
While the company has made changes since then, it’s always smart to double-check any unfamiliar charge. Here’s a quick table to help you decide if the charge is legit:
| Situation | Likely Legitimate? | What to Do |
|---|---|---|
| You registered for an event | Yes | Check email for confirmation |
| You don’t recall signing up | Maybe | Investigate further |
| Charge appears repeatedly | Maybe | Check for subscriptions |
| No one used your card | No | Contact your bank |
What to Do If You Don’t Recognize the Charge
If the ActiveWorks MCC charge looks unfamiliar, don’t panic. Here’s a step-by-step guide to resolve it:
- Review Your Statement: Note the date, amount, and description of the charge.
- Check Your Records: Look for event registrations, memberships, or purchases around the charge date.
- Contact Active Network: Reach out to their support team at [email protected] or [email protected] (for Active Advantage charges). Have your card details ready.
- Call Your Credit Card Company: If you suspect the charge is unauthorized, contact your bank to dispute it. They can block further charges and investigate.
- Monitor Your Account: Keep an eye on your statement for any additional suspicious activity.
Acting quickly is key. Most credit card companies have a 60-day window to dispute charges, so don’t delay.
Common Issues with ActiveWorks MCC Charges
While most ActiveWorks MCC charges are straightforward, some people run into problems. Here are a few common issues and how to handle them:
- Unexpected Active Advantage Charges: Active Advantage is a premium membership program offering discounts on events and gear. Some users report being enrolled without realizing it, often after a free trial converts to a paid subscription (e.g., $99.95 annually). Check your registration process for opt-in details and contact Active Advantage support to cancel or refund.
- Hidden Fees: Event registrations sometimes include extra fees for processing, merchandise, or donations. Review your confirmation email to confirm what you agreed to.
- Difficulty Contacting Support: Active Network’s customer service is primarily email-based, which can feel slow. Be patient but persistent, and keep records of your communication.
Tips to Avoid Surprise Charges
Want to avoid confusion with ActiveWorks MCC charges in the future? Try these tips:
- Read Carefully During Registration: Pay attention to opt-in boxes for memberships or subscriptions.
- Save Confirmation Emails: These help you track what you signed up for and how much you paid.
- Check Statements Regularly: Review your credit card statements monthly to catch unfamiliar charges early.
- Use Virtual Cards: Some banks offer virtual card numbers for one-time purchases, reducing the risk of recurring charges.
FAQs: ActiveWorks MCC Charge on Credit Card
Q. What does ACTIVEWORKS MCC 7399 mean on my statement?
A. It’s a charge from Active Network for an event, membership, or service you signed up for. The MCC 7399 code indicates a business service transaction.
Q. How do I contact Active Network about a charge?
A. Email [email protected] or [email protected] with details like the charge date and amount. Response times may vary.
Q. Can I get a refund for an ActiveWorks MCC charge?
A. If the charge is unauthorized or you didn’t agree to a subscription, contact Active Network or your credit card company to request a refund.
Q. Is Active Network a scam?
A. No, Active Network is a legitimate company. However, some users have reported unclear opt-ins for memberships like Active Advantage, so always review your registrations carefully.
Conclusion
The ActiveWorks MCC charge on credit card is usually tied to an event or service you signed up for through Active Network. By checking your emails, reviewing your account, and contacting support when needed, you can quickly figure out what the charge is for.
Most charges are legitimate, but if something seems off, don’t hesitate to investigate or dispute it with your bank. Staying proactive and keeping track of your registrations will help you avoid surprises in the future.
We hope this guide cleared up any confusion about the ActiveWorks MCC charge. If you have more questions, feel free to reach out to Active Network or your credit card provider.
Disclaimer: This blog is for informational purposes only and does not constitute financial or legal advice. Always consult your financial institution or a legal advisor for guidance specific to your situation. The information provided is accurate as of April 15, 2025, but policies and services may change.
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